Bringing Your Future Into FocusAdvisor Name

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Your Future

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Are You In The Know?

44%

56%

Many Workers Haven’t Done a Retirement Calculation

Have Done a Calculation

Have Not Done a Calculation

Source: Employee Benefit Research Institute, 2014 Retirement Confidence Survey – 2014 Results.

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Why Don’t We Plan?

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VestVision® Process

1. DEFINE MAJOR LIFE GOALSThe VestVision Process is initiated with a candid conversation between you and your advisor about your life goals and your ability to attain them.

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VestVision Process

2. DETERMINE YOUR IDEAL AND ACCEPTABLE GOALSYou and your Advisor will assign your goals either a “perfect” or “satisfactory” rating. Your “perfect” goals are your best-case scenario goals, while your satisfactory goals are somewhat modified but gratifying.

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VestVision Process

3. PRIORITIZE GOALSWe encourage the use of our interactive VestVision Priority ladder to effectively prioritize your goals and ensure you and your Advisor are on the same page. This is a great interactive tool that gives you a solid picture of your priorities and enables open discussions with your Advisor and family members.

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VestVision Process

4. STRESS-TEST GOALSYour goals and investment strategy undergo stress-testing that simulates 1,000 random market environments to determine your probability of attaining your goals.

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VestVision Process

5. MAKE A RECOMMENDATION Once your Advisor has a clear understanding of your “perfect” and “satisfactory” goals, he or she will make a recommendation that emphasizes or de-emphasizes your goals accordingly.

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Understanding Plan Results

Above the Comfort ZoneYou are NEEDLESSLY SACRIFICING your lifestyle. You could take less

investment risk, pursue larger or more goals sooner and still maintain confidence in your financial future.

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Understanding Plan Results

Below the Comfort ZoneThere is too high of a chance you may not exceed your goals. Adjustments need to be made.

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Understanding Plan Results

Comfort ZoneA confidence level between 75% and 90% should give you confidence that your goals can be EXCEEDED. This reading indicates a set of goals that is manageable and avoids unnecessary investment risk.

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VestVision Process

6. IMPLEMENT ALLOCATIONYour Advisor will choose an appropriate investment mix to support your goals, concerns, risk tolerances, and financial circumstances.

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VestVision Process

7. MONITOR PROGRESSYour ability to constantly monitor your progress is what sets VestVision apart from other planning tools. You can be confident that your Advisor always has access to the most accurate and current information.

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Monitor Progress

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VestVision Process

8. NEW GOALS OR PRIORITIESChange is inevitable and it can affect our ability to reach our goals—sometimes prompting us to create new ones altogether. VestVision allows you to conveniently make changes to your investment plan as situations arise.

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VestVision Process

1. The VestVision Process is initiated with a candid conversation between you and your advisor about your life goals and your ability to attain them.

2. You and your Advisor will assign your goals either a “perfect” or “satisfactory” rating. Your “perfect” goals are your best-case scenario goals, while your satisfactory goals are somewhat modified but gratifying.

3. We encourage the use of our interactive VestVision Priority ladder to effectively prioritize your goals and ensure you and your Advisor are on the same page. This is a great interactive tool that gives you a solid picture of your priorities and enables open discussions with your Advisor and family members.

4. Your goals and investment strategy undergo stress-testing that simulates 1,000 random market environments to determine your probability of attaining your goals.

5. Once your Advisor has a clear understanding of your “perfect” and “satisfactory” goals, he or she will make a recommendation that emphasizes or de-emphasizes your goals accordingly.

6. Your Advisor will choose an appropriate investment mix to support your goals, concerns, risk tolerances, and financial circumstances.

7. Your ability to constantly monitor your progress is what sets VestVision apart from other planning tools. You can be confident that your Advisor always has access to the most accurate and current information.

8. Change is inevitable and it can affect our ability to reach our goals—sometimes prompting us to create new ones altogether. VestVision allows you to conveniently make changes to your investment plan as situations arise.

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VestVision is based upon the software, patents, copyrights and some of the trademarks owned, developed by or exclusively licensed to Wealthcare Capital Management LLC. (“Wealthcare”). All Wealthcare content within VestVision supports the use of Wealthcare’s method and system for financial advising, its method, system and computer program for auditing financial plans, the system and method for incorporating mortality risk in an investment planning model, and the related terminology specific to its patents are used under license from Wealthcare. (U.S. Patents numbers 6,947,904/7,562,040/7,650,303/7,865,138/7,991,675). HD Vest Advisors are responsible for developing individualized investment recommendations or financial and investment plans for their clients.

HD Vest Financial Services® is the holding company for the group of companies providing financial services under the HD Vest name.

Securities offered through HD Vest Investment ServicesSM, Member SIPCAdvisory services offered through HD Vest Advisory ServicesSM 6333 N. State Highway 161, Fourth Floor, Irving, TX 75038 972-870-6000